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Accidental Permanent Injury Insurance

Help if you're permanently injured

Accidents happen, but some can be more serious than others. Our cover can help give you financial support if you are permanently injured as the result of an accident.

Cover starting from £2.09 a month

Depending on the level of cover you choose

Worldwide cover

You're covered across the globe as long as your main residence is in the UK

Tax-free lump sum

We’ll provide any benefit as a tax-free lump sum

Is it right for you?

Protect yourself from the unexpected.

Why get cover

Losing a limb or a sense will significantly change how you live your life, and our cover may be able to help you to adjust. We’ll pay out your claim following the completion of your treatment and confirmation that your injury is permanent.

Already have cover?

We’ll still pay any benefits from this policy – even if you’re covered by another insurance policy you may have. You should still regularly review your insurances so you're sure your cover still meets your needs.

Why get our plan?

Our cover is designed to support you financially following an accident that causes serious permanent injury.

What's covered

Wide range of injuries
Get covered for loss of limbs or loss of use of arms or legs, plus permanent loss of sight or hearing

Tax free lump sum
We’ll pay out your benefit as a tax-free lump sum

Insure your partnerYou can choose to include your partner as long as they’re aged 18 – 80 years old inclusive, and they live and share financial responsibility with you

No medical requiredThis policy doesn’t require a medical so you can start your cover immediately

Worldwide coverYou’re covered for accidental injury anywhere in the world, so long as your main residence is in the UK

Cover starting from £2.09 a monthThe price you pay depends on the level of cover you want and if you choose to insure your partner

Payment is in addition to any other personal policies you may haveWe’ll pay any benefit regardless of whether the person making the claim is covered by any other personal accident insurance

What's not covered

Permanent injury due to illness or diseaseThis policy doesn’t cover any injury caused by illness or disease

Permanent injury caused by self-inflicted injuries
This policy doesn’t cover any injury that is the result of deliberate or reckless self harm or suicide attempt

Injuries that don’t result in permanent injury
This policy doesn’t cover injuries that don’t result in permanent loss of function (e.g. broken bones, sprains and other soft tissue injuries)

Injuries caused by drug or alcohol abuse
This policy doesn’t cover injuries that are caused by drug use or acts of drunkenness, this includes accidents caused when driving under the influence of drink or drugs

Injuries caused by being a professional sportspersonThis policy doesn’t cover injuries caused by training or playing for any sport as a professional sportsperson

Take a look at our policy booklet for full details of what's not covered.

How our claims process works

Let us know

Call us on 0800 051 51751to start the claim process. Lines are open Monday to Friday 9:00am to 5:00pm.

2

Expert review

Our team of experts will review the claim and be in contact if they need any more information.

3

Receive payment

We’ll pay the claim benefit directly to the insured person.

How are benefits paid out?

You can choose your level of cover from between £40,000 to £100,000. The amount you get will depend on the type of injury you received. The table below shows the how much you can receive as a result of an injury.

Section A – Permanent bodily injury. Please note that the benefits stated for loss of use of arm/leg represent a full loss of use.

Amputation

Extent of injury

% of £ amount chosen payable

One arm/leg

100%

Two arms/legs

150%

Three arms/legs

200%

Four arms/legs

250%

Total loss of use (These figures are based on full loss of use of your arm/leg)